The Truth About Financial Audit

"As of the end of 2025, the average financial audit guest has now paid off $22,87 of debt in just 12 months. And the median has paid off $12,000 of debt in 8 months."

"Debt when filmed $50,000. Current debt amount $38,000. Months since filmed financial audit three. Technically, my bad debt is $26,000 higher than when I went on the show in September because my old 4Erunner broke down 2 days before I moved to Texas, leaving me with a new car loan I didn't have before. But my IRS debt and credit card debt is down. I've stopped purchasing on my credit cards and pay the minimums on time. Once my IRS debt is paid off in May, I will allocate an extra $1,000 per month to pay down the cards, so it will go much quicker."

"Debt when filmed $4,000. Current debt amount $500. Months since filming financial audit 23. After the show, broke up with my ex-boyfriend and moved back in with my parents. I took budgeting classes as well. Got in touch with my bank and set up a plan to be approved for a 3% interest rate instead of my usual 18% for 12 months. I am already a $500 debt currently and doing well."

"Debt when filmed $30,000. Current debt amount $17,000. Months since filming financial audit 10. Married and bought a house. Also found people making AI of me freaks. Heart emoji."

"Debt when filmed $17,000. Current debt amount $6,000. Months since filming financial audit, 11. Life has been a roller coaster. I've made a lot of progress over the last year, and I've gone from about 10 credit card balances to three. Holidays have set me back a little, but since the show, I've gotten a good pay raise and I've eliminated some monthly expenses. I am set to graduate this month and I've already passed my licensing exam. As of January 2026, I'll be a licensed professional counselor associate and will be looking for some contract work to help pay down my remaining debt and prepare for student loan repayments. Things are currently looking up, although I am still lingering on some poor habits. I do believe I've made a lot of progress in being intentional with what I spend my money on."

"Debt when filmed $45,000. Current debt amount $3,000. months since filming financial audit, eight. just working my butt off to get out of the financial hole I put myself into. All my credit cards are up to date and finally on autopay. Then my debt collection accounts are on payment plans that was settled for 80%. Still waiting on the car to be auctioned, but we'll figure it out day by day."

"Debt when filmed $67,000. Current debt amount $70,000. Months since filming. Financial audit eight. We got married and went to Japan. These were basically cash flowed through rigorous saving and we are finally focusing on debts as of November and are more motivated than ever to pay them off. We learned skills through our saving for Japan and are ready to apply those to our debts now. Tony also got a new job that pays more, so that's a plus. Winky D."

"Debt when filmed $40,000. Current debt amount $35,551. Months since filming financial audit, six. Things are going smooth. Wife got a job and started a business for calibration software."

"Debt when filmed $75,000. Current debt amount $69,000. Nice. Months since filming financial audit, seven. Things haven't been great for me. My cat passed away and had to spend a decent amount of money with all vet visits. I got a raise at my job this week, only a $1 raise, but that's pretty good considering people only get 10 to 25 cent raises. I'm still making progress with the class course I received. I didn't even end up going to the other festival in Texas due to the cost either. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y refi might be exactly what you need."

"Debt when filmed $20,000. Current debt amount $10,000. months since filming Financial Audit. Eight. Paid off all the money borrowing apps. Working on paying off my car."

"Debt when filmed $22,000. Current debt amount $1,500. Months since filming financial audit five. I got a job in finance. It's a hybrid job and is much better for my health. I am also getting tests run to get an official diagnosis of my physical health issues."

"Debt when filmed $83,000. Current debt amount $69,000. Nice. Months since filming Financial Audit too. Much better. The show has completely changed the trajectory of my life. Not just financially, but also with my family and in general. Very grateful to have been on and can't wait to film my follow-up episode."

"Debt when filmed $19,000 current debt amount $14,000 months since filming financial audit 7 months since Caleb Hammer still hates Rico Suave zero Rico is doing fine moving to San Diego possibly taking a lot of degenerate vacations my twin is moving back to Austin Almost brought a gun to laser tag tournament. Hitting up suaveas like my life depends on it. Got myself banned from Whimo."

"Debt when filmed $16,000. Current debt amount $12,000. Months since filming financial audit, 11. I started a YouTube channel and I'm about to be monetized in under 50 days. I've quit my salon and I'm working for myself doing hair and focusing on my personal brand and online business. I've moved to downtown Austin since filming."

"Debt when filmed $40,000. Current debt amount $20,000. Months since filming financial audit, 12. All debt has been taken care of. I have a brand new car, 600 plus credit score. Hopefully starting nursing school in January. Have to pay out of pocket. And I'm financially comfortable enough to buy the things I want in life."

"Debt when filmed $32,000. Current debt amount $4,000. Month since filming financial audit, four. We have paid off all of our affirmed debt and all but one of our credit cards and our monthly minimums have gone down by $700 total."

"Debt when filmed $15,000. Current debt amount $7,000. Months since filming financial audit, two. Not going to lie, locked in. This month of December, I'm about to pay another $4,000 to debt. And in January, I'll be done. Heartface emoji. The excited to not have any anymore. stupid Jeep finally got running and I'm buying some parts for it and selling it in January, too. Pretty sick nasty, if I do say myself. Also, something kind of cool. I got my savings from zip to $2,500, too, in these months. Also, I increased my income from $8,200 a month to all of the last 3 months, I've made between $11,000 to $12,000, which is tight. Been paying hella to the truck, too. Everything on the up and up. Show was fun. A lot more people than I thought found it, which is weird, but okay, I guess. Hope all is well on y'all's end. Take care."

"Debt when filmed $400,000. Current debt amount $400,000. Months since filming Financial Audit nine. Been working full-time since the show. My kid starts public school again on Monday. Paid back my loans from friends. Working on rebuilding credit and saving for a property."

"Debt when filmed $15,000, $841. Current debt amount $21,158. Month since filming financial audit, 14. Since being on the show, life has been wild in the best way. Our income literally doubled. We went from $6,000 a month to $12,000 a month, and we're on track to hit around $17,000 monthly next year. our debt payment dropped from well actually I'm reading it right here but I think instead of reading it we should actually see where they stand in a video format."

"So, I think that's where we're at right now. Okay. Okay. Very cool. Now which one in here is the time share? Cuz I want to make sure I don't lose that because we are going to blast through this cuz really these are these are just all paid off accounts. It's like what's even the point? Like okay, great. Okay, we have a paid off synchrony. Woo! Yay! Okay, so synchrony is paid off. That's great. City $0. Oh, no. Okay, $0 and Okay, well, City Custom Cash does have a balance. That one's paid. Okay, City Custom Cash is paid. So, I guess no balance. American Express paid. No balance. No need for this. Get out of here. We love that. Look at that. Just a year. American gold. American gold paid off every month. doesn't matter because uh like I said, you can transition to a credit card person and you guys, it sounds like you did. I see $0 on Apple Card. Don't need to see this. Remember when it took us like 2 hours to get through this originally? Well, not this time. And there's, you know, there's uh Sephora and Papers Plan, Vacation Club. And that all of a sudden is not a bad thing when our finances are good. I want I give people more fund money to spend than almost any other financial program I can think of. But only when you're out of the risky position of bad debt, right? Chase Auto. Okay. So, we kept the car, but it's at a 5.17. I'm okay with that. Yeah. And so, I'm okay with that. It is a balance of Yeah. I mean, it's under 3,000, so I would minimum until it's paid off. Yes. So I guess no balance. American Express paid. No balance. No need for this. Get out of here. We love that. Look at that. Just a year. American gold. American gold paid off every month. doesn't matter because uh like I said, you can transition to a credit card person and you guys, it sounds like you did. I see $0 on Apple Card. Don't need to see this. Remember when it took us like 2 hours to get through this originally? Well, not this time. And there's, you know, there's uh Sephora and Papers Plan, Vacation Club. And that all of a sudden is not a bad thing when our finances are good. I want I give people more fund money to spend than almost any other financial program I can think of. But only when you're out of the risky position of bad debt, right? Chase Auto. Okay. So, we kept the car, but it's at a 5.17. I'm okay with that. Yeah. And so, I'm okay with that. It is a balance of Yeah. I mean, it's under 3,000, so I would minimum until it's paid off."

"So, we're at 3 months right now, but we should be at 6 months. Double it. Double it. And then we can really just live that life you guys are ready to live. But you guys are so close. Don't give up a whole year for just a few more months of work, right? Right. And then everything after the sixth month is just gains. Just gains. Gains and living. Cuz actually with what I see the spending in here on fund after that six-month emergency fund is good. As long as you guys are contributing 20% to investing, I want you guys to basically triple quadruple the spending I see in here on fund. At a minimum. At a minimum. I want you guys to go on trips. I want you guys to live it up within that 30%. But your 30% stretches when you get the freedom. What's the household income again? We're at like 12,000 right now. Yeah. I mean 30% is incredible. 12 What the are we doing, right? I mean blowing $3,600 a month. Okay. You know what you can do? You can honestly we not even close to that. Yeah. We're like under a thousand. Yeah. Exactly. So after the sixmonth emergency fund, this is just for an example. What's What where have you guys gone before? Where where's your best like craziest trip you've ever done? Probably Vegas. Maybe. Same. Mhm. Okay. What you can do is save one month of that fund. Actually, save uh save 75% of that fund money and only spend the fund that you're kind of doing right now. Save 2,000. And then the next month, combine that 2,000 you saved from last month's fund spend and then that entire month of fund spend. Go on a threew week European vacation."

"I don't want to be at my job anymore. Well, there we go. So, that wins. So, the house thing works. But let's get into the new career field which requires us to get rid of the risk. So risk done, new career field and then we shop new house based on whatever our finances, our household income looks like with the new job which should be the 50 30 20 with the new house too. Yeah. Well, yeah, cuz it shouldn't be 50% mortgage, right? That needs is needs. It's everything. It's food on the table. It's utilities. It's insuranceances. It's, you know, school activities. It's whatever you know that is needs. Mhm. So, that makes sense. Yeah. Like dayto-day. Mhm. So, fully funed emergency fund, tackle these debts outside of the mortgage and then career change. Career change and then shopping for house based on that. See where you at after all that's done. Okay. Punch those numbers."

"The emergency fund is just savings account that is just never touched aside. Mhm. Okay. Cuz that gives you the ability to do anything. If you can survive for 6 months, if anything happens, you can do anything. You can invest as much as you want. You can spend as much as you want. You can do whatever. It gives you that freedom and flexibility. That was one of our questions as well that we were going to ask you as well about that. About what it's going to be. Was it going to be either that six month time frame or was it going to be like in terms of 2 months, 3 months, what you thought it would be in terms of that? because we're kind of having we're kind of going back a little bit back and forth about what we think would be efficient enough for our lifestyle or if we want to live a a upper lifestyle as well very soon."

"So, the only thing too is that we're not going to do it anytime soon, but we do like a house that's three times the amount of the house that we have right now. Because monthly if we were where we are at monthly, we would be able to afford it, but I know we shouldn't. Well, that's okay as well. I would again Because monthly if we were where we are at monthly, we would be able to afford it, but I know we shouldn't. Well, that's okay as well. I would again. But let's get into the new career field which requires us to get rid of the risk. So risk done, new career field and then we shop new house based on whatever our finances, our household income looks like with the new job which should be the 50 30 20 with the new house too. Yeah. Well, yeah, cuz it shouldn't be 50% mortgage, right? That needs is needs. It's everything. It's food on the table. It's utilities. It's insuranceances. It's, you know, school activities. It's whatever you know that is needs. Mhm. So, that makes sense. Yeah. Like dayto-day. Mhm. So, fully funed emergency fund, tackle these debts outside of the mortgage and then career change. Career change and then shopping for house based on that. See where you at after all that's done. Okay. Punch those numbers."

"I don't want to be at my job anymore. Well, there we go. So, that wins. So, the house thing works. But let's get into the new career field which requires us to get rid of the risk. So risk done, new career field and then we shop new house based on whatever our finances, our household income looks like with the new job which should be the 50 30 20 with the new house too. Yeah. Well, yeah, cuz it shouldn't be 50% mortgage, right? That needs is needs. It's everything. It's food on the table. It's utilities. It's insuranceances. It's, you know, school activities. It's whatever you know that is needs. Mhm. So, that makes sense. Yeah. Like dayto-day. Mhm. So, fully funed emergency fund, tackle these debts outside of the mortgage and then career change. Career change and then shopping for house based on that. See where you at after all that's done. Okay. Punch those numbers."

"You're going to have to gear whatever next resume towards taking skills you had from these jobs to getting in that new field. Maybe we're getting a certification on something, of course. Um, but grind to get the fully funded emergency fund and then pay off all three cards and the car and then move over and then yeah, aim to get this other job. So, before we take a potential pay cut or take a potential risk, knock that out first. Yeah. Kill all the debts outside of the mortgage and the fully funded mercy fund. So that means a little more time and a little more uh lack of full celebration onto the gate. Like yes, obviously mentally celebrate, take some of the stress off, but you're still kind of a little bit in attack mode because it depends what's more important being able to start living our wants more or you switching career. Where do you weigh? There is no wrong answer. It is up to you at this point. What's what's takes priority? Do you know? Maybe you don't know. Okay. Well, have conversations with each other, conversations with yourself, maybe even take some career assessments online. After you can answer that question, then determine what you're doing."

"We were one first time spending in a budget. We were five. I don't remember. You were definitely spending within your budget. We need that fully funed emergency fund. So, a little bit of BS. Well, we don't have it. It's not the best, but it's okay with what you guys have doing. Giving you a 7 out of 10 spending within the budget. Uh, debt. The debt is not that horrendous anymore. We've gotten to a halfway decent debt spot of I'd say about a five out of 10. Emergency fund. Well, we're halfway there. Five out of 10. Retirement. Well, you said it was 25 total. 25. Yeah. And he has a two for one match in a couple years. That's good. Um definitely behind there at about a two out of 10 though for age then real estate. Yeah. I mean the h the house situation's great. Um yeah house situations and there's a mortgage technically that's risk but eight out of 10. It's a good one. Let's see where we are today. Yeah I we we're rounded up even further. It's going to be a hammer financial source 6 out of 10. Once that emergency fund's there, that immediately adds five. I mean, that's incredible. Um cuz that's kind of what's holding you back there. It's emergency fund in retirement. And once those debts are gone outside of your mortgage, that score is going to go up, too. And you're spending the like this. It takes a few months of change before this goes from a 6 out of 10 to an 8 out of 10. Yep. Just a couple couple tweaks."

"You can honestly we not even close to that. Yeah. We're like under a thousand. Yeah. Exactly. So after the sixmonth emergency fund, this is just for an example. What's What where have you guys gone before? Where where's your best like craziest trip you've ever done? Probably Vegas. Maybe. Same. Mhm. Okay. What you can do is save one month of that fund. Actually, save uh save 75% of that fund money and only spend the fund that you're kind of doing right now. Save 2,000. And then the next month, combine that 2,000 you saved from last month's fund spend and then that entire month of fund spend. Go on a threew week European vacation."